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Returning Member
posted Feb 18, 2021 12:44:53 PM

Where do I deduct PPP Loan $ on my Schedule C?

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1 Best answer
Expert Alumni
May 10, 2021 12:50:07 PM

The PPP loan is not taxable.  As such, you should not enter it on your tax return. It has no affect on your eligibility for a stimulus payment, so you may still be entitled to stimulus payments even if you received a PPP loan that was forgiven. It is not considered income with respect to the income limit on eligibility for stimulus payments.

5 Replies
Expert Alumni
Feb 18, 2021 1:09:30 PM

You don't -- It is a loan.  Even if a PPP loan is forgiven [you don't have to pay it back], it is not considered taxable income.

 

For more information on PPP Loan Forgiveness, please click on this link on the U.S. Small Business Administration website:  PPP Loan Forgiveness

Returning Member
Feb 21, 2021 5:15:09 AM

Can I deduct payroll cost that were paid for by a pop loan?

Expert Alumni
Feb 21, 2021 9:53:40 AM

Yes, you are able to deduct payroll cost that was paid by a PPP loan. 

 

Here is the IRS reference at the top of Page 2 in IRS wording: Deducting Payroll Costs for PPP Loans.

Level 2
May 7, 2021 9:54:02 PM

I'm an independent contractor and received a PPP loan. TurboTax tells me my income in 2020 makes me eligible for the individual stimulus checks (which I haven't received because my income was higher than the threshold in 2019, though not in 2020). Is it possible that I'm eligible for the stimulus check given that I already received a PPP loan? If I answer the TT questions correctly it insists that I do, but as a sole proprietor there's nowhere TT asks if I got a PPP loan so I'm not sure if I could technically get both. 

Expert Alumni
May 10, 2021 12:50:07 PM

The PPP loan is not taxable.  As such, you should not enter it on your tax return. It has no affect on your eligibility for a stimulus payment, so you may still be entitled to stimulus payments even if you received a PPP loan that was forgiven. It is not considered income with respect to the income limit on eligibility for stimulus payments.